BlastPoint's Credit Union Scorecard
GUCO
Charter #62985 · NC
GUCO has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 7.35% above tier (higher cost structure)
- - Member decline: -9.2% YoY
- - Member Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,390
-9.2% YoY-2.1% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$9.7M
-4.3% YoY-1.8% QoQ
|
$-20.2M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$6.5M
+9.7% YoY+0.8% QoQ
|
$-9.2M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$7.9M
-5.5% YoY-2.5% QoQ
|
$-17.6M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
0.4%
-210.0% YoY+60.3% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
4.7%
+12.1% YoY+4.5% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
88.7%
-17.5% YoY-2.0% QoQ
|
+7.4% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
83.2%
+16.2% YoY+3.4% QoQ
|
+21.9% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$10,377
+11.1% YoY+1.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
23.4%
+70.4% YoY-2.9% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)